Especially for withdrawing more than 50,000 yuan, you need to make an appointment one day in advance. When withdrawing money, you have to fill out a lot of forms to list your reasons for withdrawing money. If you find any doubts, the bank can refuse to withdraw money. What is the

Since 2022, many depositors have found that when they go to banks to do business, banks have become increasingly strict in withdrawal management. Especially for withdrawing more than 50,000 yuan, you need to make an appointment one day in advance. When withdrawing money, you have to fill out a lot of forms to list your reasons for withdrawing money. If you find any doubts, the bank can refuse to withdraw money. What is the reason?

In fact, after careful analysis, the main impact is large cash withdrawals. If the transfer model is adopted, it will basically not be hindered. This shows that banks across the country still have no restrictions on depositor deposits and withdrawals, and still firmly implement the provisions of the savings management principle, that is, "voluntary deposits, free withdrawals, interest-bearing deposits, and confidentiality for depositors."

However, my country is now very dedicated to anti-money laundering and preventing telecommunications fraud, which has led to new regulations on large-scale cash withdrawals and additional management for elderly people when transferring money. Therefore, as long as the relevant regulations on anti-money laundering and financial supervision are complied with, no matter how much money is withdrawn or how much money is transferred, there will be no obstacles.

Before 2000, my country had no relevant anti-money laundering regulations, so there were no restrictions on withdrawals for depositors at the regulatory level. As long as the depositor's ID is verified, as long as the source of funds is legal, and as long as the bank is registered in advance, the amount of cash withdrawal will be fully supported at the agreed time.

is even more relaxed in terms of transfers. First of all, my country's anti-money laundering regulations are very relaxed in terms of not withdrawing cash, but only transfer restrictions. Because bank transfers can track the whereabouts of funds, basic anti-money laundering regulations do not impose restrictions. Depositors do not need to make an appointment, they can directly transfer money at the counter or online.

will tell you about the anti-money laundering regulations. In fact, it is mainly to prevent various financial criminal activities, such as hiding stolen money, hiding illegal income, and laundering the money defrauded by telecommunications fraud. Criminals like the most is cash, which can not speak and can hide the source of their income. Therefore, the anti-money laundering regulations are mainly about cash management.

This tells depositors that if you want to complete the withdrawal activities quickly, you can do not withdraw cash as much as possible and replace the previous transfer method. Then there is no need for filing and registration, and there is no need for fund verification procedures. You can complete the withdrawal and transfer work by sitting at home using a mobile banking.

Of course, if the bank refuses to withdraw or transfer money, the reasons raised are not because of anti-money laundering regulations, not the formal regulatory requirements of the central bank and , but the measures issued by the bank itself, then these restrictions are all illegal. Depositors can report to the regulatory authorities based on this, and can also file a lawsuit with the court based on their own losses and demand compensation for the other party.

Before the bank restricted the withdrawal amount of depositors or refused to withdraw money from depositors, the main incident was that several village banks in Anhui, Henan. They rejected online depositors’ withdrawal requirements on the grounds that they were involved in criminal cases. Now that this incident has been resolved, the regulatory authorities have already protected the principal of the customer during the redemption process. This also fully demonstrates that regulatory authorities and laws protect depositors.

In this incident, many depositors are questioning why my country's deposit insurance mechanism did not play a role at this time? In fact, it will only work if the bank goes bankrupt and liquidates and is taken over. These rural banks are involved in major criminal cases, and the deposits they absorb from depositors do not pay deposit insurance. At the same time, these rural banks have not gone bankrupt or taken over, and the deposit insurance protection mechanism will naturally not be launched.

Depositors go to the bank to withdraw large amounts of money. If the bank still sets a withdrawal amount after completing the regulatory requirements and does not respond to the depositor's reasonable withdrawal needs, the best way for depositors to fight back is to report and complain to the local banking and insurance regulatory bureau, or hire a lawyer to sue the bank.Of course, you can also use online banking or mobile banking to transfer your deposit to another bank’s account and then make an appointment to withdraw the money. This is also a quick method and the bank cannot stop it.